Nelson Watson and Associates - Are they a good company to deal with?

Nelson Watson and Associates LLC is a pre-legal collection agency which claims to resolve debts out of the court in a professional manner. Many consumers have expressed their views about this company and have made certain complaints against them in the DebtCC forums.

What are the Nelson Watson and Associates complaints?

Unlike many other collection agencies, Nelson Watson & Associates has a good BBB rating. But consumers who have dealt with this company do have certain complaints against them. Given below are some of the reasons why some people think they are not a good company to deal with:

Calling the wrong person: A consumer complains that he received calls from this agency for debts his brother owed. The consumer told them repeatedly where and how they could contact his brother. But the agency just kept calling him for debts which he was never responsible for. Find more.

Rude behavior and scare tactics: A person claims that the representatives of this collection agency are very rude and use nasty scare tactics against consumers. The representatives are not friendly at all and they do not treat customers properly! Check this out.

Asking for employee information: A customer alleges that when he called Nelson Watson and Associates, the representative wanted to know about his employee information. The customer refused to share any information straightaway. Get the details on this.

Threatening legal action: Nelson Watson and Associates LLC are often accused of threatening customers with legal action. One such customer complains that the company threatened to take him to court even though he was willing to pay them off. Find out more.

Constant harassment: A disabled customer says he was constantly harassed by the collection agency for a debt. They threatened him over phone and even called his neighbors regarding the debt! Know more.

In case you need to contact Nelson Watson & Associates regarding a debt they want to collect from you, the following details can be helpful:

they
don't get to choose how much you get to settle and account for. Capital
One give them the criteria and they cannot override what Capital One has
said. At this point you are no longer considered a consumer, you are in
a pre-lit office and are not going to be treated with customer
service.

i
don't work for them but owe lots of debt myself,, the only thing i can
tell you is dispute the bill. all that means is they will send u the
contract u signed when u got the card,,. unfortunately it IS possible to
owe 7k as opposed to 4k because interest builds on top of over limit
fees late fees and whatever fees capital one decides to smack you with.
nelson watson cant add to ur debt no collector can. so it sounds like
fees from the credit card company. :( u have no choice but to pay it
unfortunately,, happened to me. sux

Unregistered

Sub: #4 Just cause its a collection agency DOES NOT mean its legitimate.Wed, 09/22/2010 - 05:48

Just
cause its a collection agency DOES NOT mean its legitimate. Just cause
they are licensed in one state DOES NOT mean its licensed to collect in
others. ANY company that treats people the way this one does is not
legit. Most licensed agencies are SCAMS. Buy a debt of $3000 for $30 and
sues you for $5000, that is a scam, plain and
simple!

listen
folks.... if you owe money pay it... if you dont then dont pay it. ie.
if i lend you 400 dollars and you tell me... hey ill pay you next week.
Then i tell you ok, but if you dont, you owe me 5 dollars extra evry
week until its paid back in full. Then, lets say you have a hardship,
and takes you 6 months to pay me back. Am i wrong for wanting the whole
thing back. You agreed to the terms when you took the money. Right?
Forget about SOL. Its about your responsibility as an adult. Its not
"lets make a deal." And yes I realize that its probably a major credit
card that is owed and that company probably has millions of dollars and
you dont. Still the money is owed. Pay it and move on with life. Just
a thought. Nelson Watson is a licensed collection agency. I have looked
them up. You cannot be licensed and be a scam. If someone there breaks
the law. Bag em. Be educated before you call them in case they slip
up. More than likely its few and far between, and what you see on the
internet is people taking the low road and bashing a company that in
reality probably isn't that bad. NO one likes a bill
collector.

Unregistered

Sub: #6 when you call nelson watson and assoc ask if they purchased any Wed, 03/24/2010 - 22:20

eg.
You're sitting in a restaurant and your bill comes. Turns out you don't
have the money to pay for it. Bummer...
Out of nowhere I come up to your table and say "I paid for that
meal."
What is your obligation to me? What was our original agreement?
Let's turn it around: I'm sitting at the table and you come up and say,
"I paid for that meal."
Of course, I will politely reply, "Thanks."
End of story.
You cannot impose obligation on me. It has to be with my knowledge and
consent.
imho, debt collection and fraud go hand in hand.
Debt collectors buy the debt from the original creditor at a discount.
What does this mean? It means that the debt to your creditor has been
PAID. It appears that they then use tactics that are questionable at
best to get you to agree to an obligation to them.
I'll post a SAMPLE REPLY LETTER for entertainment, educational, and
informational purposes only and not to be viewed as legal
advice.

Be
careful. This collection agencyowns the debt now, NOT Capital One. This
agency buys debts for about 18 cents or less on the dollar. They will
still be making well off and they keep the money, Not Capital One.
Capital One sells their debts for a fraction of the cost to clear their
books on bad charged off debt and this collection company profits by
inflating the debt (which is illegal per FDCPA). Anyone dealing with
collection agencies be forewarned...CAs make the money, not the original
creditor. They will say they are contacting Capital One or the OC and
they are in fact not. Also be aware that SOL is only for reporting to
credit reports. They can and sometimes due try to collect (by law is ok
to) for as long as they want. they just cannot report it after so many
years (varies by states).

good info,except once the SOL has passed(and it's different for each
state and kind of debt)and often is shorter than the 7.5 yr reporting
window.once that lapses it's the persons choice whether to pay or not.if
a creditor tries to sue on a time barred debt,they can be sued by the
person.they can try to collect,but a complete C&D letter does the
trick as any attmept to collect after that gets the collector sued.again
good info except the last part.

giving hope to the hopeless,help to the helpless,and hap to the hapless.

Be
careful. This collection agencyowns the debt now, NOT Capital One.
This agency buys debts for about 18 cents or less on the dollar. They
will still be making well off and they keep the money, Not Capital One.
Capital One sells their debts for a fraction of the cost to clear their
books on bad charged off debt and this collection company profits by
inflating the debt (which is illegal per FDCPA). Anyone dealing with
collection agencies be forewarned...CAs make the money, not the original
creditor. They will say they are contacting Capital One or the OC and
they are in fact not. Also be aware that SOL is only for reporting to
credit reports. They can and sometimes due try to collect (by law is ok
to) for as long as they want. they just cannot report it after so many
years (varies by states).

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